denialdækning

Denialdækning, a Danish term, translates to "denial of coverage" or "coverage denial" in English. It refers to the situation where an insurance company refuses to pay a claim submitted by a policyholder. This refusal can occur for various reasons, often stipulated within the terms and conditions of the insurance policy.

Common grounds for denialdækning include the claim falling outside the scope of the policy's coverage, the policyholder having misrepresented information during the application process, or the claim being related to an event that is explicitly excluded from the policy. For instance, a health insurance policy might deny coverage for a pre-existing condition that was not disclosed, or a travel insurance policy might deny a claim for lost luggage if the loss was due to negligence.

When a denialdækning occurs, the insurance company is typically required to provide the policyholder with a written explanation detailing the reasons for the denial. Policyholders have the right to appeal this decision. The appeals process usually involves submitting additional documentation or evidence to support the claim, or arguing that the insurance company has misinterpreted the policy terms. If the appeal is unsuccessful, further legal recourse may be available depending on the jurisdiction and the nature of the insurance policy. Understanding the specific terms and exclusions of an insurance policy is crucial for policyholders to avoid potential denialdækning.